![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 1793 293" xmlns="http://www.w3.org/2000/svg"><path d="M 51.91 0 L 51.91 204.264 C 51.91 218.309 61.99 219.836 75.42 221.668 L 75.42 232.354 L 0 232.354 L 0 221.668 C 13.74 219.836 23.82 218.309 23.82 204.264 L 23.82 32.365 L 1.53 21.678 L 1.53 15.266 L 44.28 0 Z" fill="rgb(255, 255, 255)" height="232.354px" id="u19WNmkQp" transform="translate(1717.49 0)" width="75.42000000000007px"/><path d="M 73.28 0 C 113.58 0 134.65 28.09 134.65 68.088 L 134.65 77.554 L 25.34 77.554 C 25.34 117.55 46.71 144.726 81.22 144.726 C 104.12 144.726 118.47 133.428 129.76 118.466 L 134.95 121.215 C 127.63 148.389 105.03 167.929 70.84 167.929 C 26.26 167.929 0 132.817 0 89.155 C 0 35.724 31.14 0 73.28 0 Z M 68.7 14.961 C 44.58 14.961 29.01 37.556 26.56 62.898 L 106.56 62.898 C 106.56 33.587 93.73 14.961 68.7 14.961 Z" fill="rgb(255, 255, 255)" height="167.9295px" id="iXUJvIam9" transform="translate(1575.69 67.478)" width="134.95000000000005px"/><path d="M 73.28 0 C 113.58 0 134.65 28.09 134.65 68.088 L 134.65 77.554 L 25.34 77.554 C 25.34 117.55 46.71 144.726 81.22 144.726 C 104.12 144.726 118.47 133.428 129.76 118.466 L 134.95 121.215 C 127.63 148.389 105.03 167.929 70.83 167.929 C 26.26 167.929 0 132.817 0 89.155 C 0 35.724 31.14 0 73.28 0 Z M 68.7 14.961 C 44.58 14.961 29 37.556 26.56 62.898 L 106.56 62.898 C 106.56 33.587 93.73 14.961 68.7 14.961 Z" fill="rgb(255, 255, 255)" height="167.9295px" id="HcWYYBc8T" transform="translate(1429.94 67.478)" width="134.95000000000005px"/><path d="M 51.9 0 L 51.9 97.399 C 66.87 82.744 84.88 67.477 110.22 67.477 C 136.79 67.477 152.97 81.828 152.97 117.551 L 152.97 204.264 C 152.97 218.309 163.04 219.836 176.78 221.668 L 176.78 232.354 L 101.37 232.354 L 101.37 221.668 C 114.8 219.836 124.88 218.309 124.88 204.264 L 124.88 119.688 C 124.88 97.705 116.02 90.072 96.48 90.072 C 80.61 90.072 63.81 97.094 51.9 106.254 L 51.9 204.264 C 51.9 218.309 61.98 219.836 75.42 221.668 L 75.42 232.354 L 0 232.354 L 0 221.668 C 13.74 219.836 23.81 218.309 23.81 204.264 L 23.81 32.365 L 1.53 21.678 L 1.53 15.266 L 44.27 0 Z" fill="rgb(255, 255, 255)" height="232.354px" id="qqIRncGL0" transform="translate(1248.66 0)" width="176.77999999999997px"/><path d="M 168.84 119.994 L 201.21 29.922 C 202.43 26.258 203.04 24.121 203.04 21.678 C 203.04 14.35 197.24 12.824 181.67 10.687 L 181.67 0 L 239.07 0 L 239.07 10.687 C 225.33 15.572 223.8 16.182 221.36 22.9 L 168.23 164.877 L 160.6 164.877 L 120.3 57.096 L 79.38 164.877 L 72.06 164.877 L 17.4 22.9 C 14.96 16.182 13.43 15.266 0 10.687 L 0 0 L 69 0 L 69 10.687 C 53.74 12.824 47.63 14.35 47.63 21.678 C 47.63 24.121 48.55 27.48 49.77 30.838 L 82.13 119.383 L 112.36 37.555 L 107.17 22.9 C 104.73 16.182 102.89 15.266 89.15 10.687 L 89.15 0 L 157.24 0 L 157.24 10.687 C 141.37 12.824 135.56 14.35 135.56 21.678 C 135.56 24.121 136.48 27.48 137.7 30.838 Z" fill="rgb(255, 255, 255)" height="164.8768px" id="f6OzFP6Zt" transform="translate(1013.56 70.533)" width="239.07000000000016px"/><path d="M 124.879 136.786 L 124.879 52.21 C 124.879 30.227 116.024 22.594 96.483 22.594 C 80.606 22.594 63.203 29.617 51.6 38.776 L 51.6 136.786 C 51.6 150.832 61.371 152.358 75.11 154.191 L 75.11 164.876 L 0 164.876 L 0 154.191 C 13.434 152.358 23.51 150.832 23.51 136.786 L 23.51 32.365 L 1.527 21.678 L 1.527 15.266 L 43.967 0 L 51.6 0 L 51.6 29.922 C 66.561 15.266 84.881 0 110.223 0 C 136.786 0 152.969 14.35 152.969 50.074 L 152.969 136.786 C 152.969 150.832 163.047 152.358 176.787 154.191 L 176.787 164.876 L 101.369 164.876 L 101.369 154.191 C 114.803 152.358 124.879 150.832 124.879 136.786 Z" fill="rgb(255, 255, 255)" height="164.8765px" id="shMizJMFF" transform="translate(846.003 67.478)" width="176.78699999999992px"/><path d="M 36.334 40.914 C 25.342 40.914 16.488 31.754 16.488 20.457 C 16.488 9.16 25.342 0 36.334 0 C 47.326 0 56.18 9.16 56.18 20.457 C 56.18 31.754 47.326 40.914 36.334 40.914 Z M 51.6 62.592 L 51.6 199.379 C 51.6 213.424 61.371 214.951 75.11 216.783 L 75.11 227.469 L 0 227.469 L 0 216.783 C 13.434 214.951 23.51 213.424 23.51 199.379 L 23.51 94.957 L 1.527 84.27 L 1.527 77.858 L 43.967 62.592 Z" fill="rgb(255, 255, 255)" height="227.46875000000003px" id="r4M_GGdZX" transform="translate(763.166 4.885)" width="75.1099999999999px"/><path d="M 51.906 151.137 L 51.906 196.937 C 51.906 210.981 61.981 212.507 75.721 214.339 L 75.721 225.026 L 0 225.026 L 0 214.339 C 13.74 212.507 23.816 210.981 23.816 196.937 L 23.816 32.365 L 1.527 21.678 L 1.527 15.266 L 44.578 0 L 51.906 0 L 51.906 26.564 C 64.729 10.381 81.522 0 104.117 0 C 145.641 0 167.319 34.197 167.319 76.332 C 167.319 132.817 132.207 167.929 91.903 167.929 C 72.973 167.929 58.623 160.907 51.906 151.137 Z M 91.293 153.885 C 119.688 153.885 139.229 128.542 139.229 89.155 C 139.229 54.654 125.795 20.457 91.598 20.457 C 76.637 20.457 61.065 25.648 51.906 35.418 L 51.906 111.445 C 51.906 139.535 67.477 153.885 91.293 153.885 Z" fill="rgb(255, 255, 255)" height="225.0265px" id="w9rE_HM77" transform="translate(586.583 67.478)" width="167.31900000000007px"/><path d="M 68.699 220.446 C 39.998 220.446 15.572 210.676 2.137 199.379 L 0 149.305 L 10.687 149.305 C 19.846 181.364 38.471 205.18 69.615 205.18 C 98.315 205.18 115.719 191.135 115.719 166.098 C 115.719 145.03 101.979 135.26 65.035 121.52 C 24.426 106.559 2.443 91.903 2.443 57.402 C 2.443 25.037 26.564 0 69.309 0 C 94.041 0 116.33 8.244 132.817 19.236 L 132.817 65.951 L 122.742 65.951 C 115.719 36.334 97.399 15.266 67.783 15.266 C 42.135 15.266 29.006 29.922 29.006 49.463 C 29.006 70.225 39.387 79.69 77.248 93.735 C 122.131 110.223 143.504 126.1 143.504 159.991 C 143.504 199.073 109.307 220.446 68.699 220.446 Z" fill="rgb(255, 255, 255)" height="220.446px" id="NbcDW6wAN" transform="translate(437.081 14.96)" width="143.50400000000002px"/><path d="M 285.399 142.7 C 285.399 221.511 221.51 285.4 142.7 285.4 C 63.889 285.4 0 221.512 0 142.701 C 0 63.89 63.889 0 142.7 0 C 144.941 0 147.17 0.053 149.386 0.155 C 90.503 20.747 48.267 76.791 48.267 142.7 L 48.274 143.921 C 48.928 195.512 90.953 237.133 142.699 237.133 C 194.853 237.133 237.132 194.854 237.132 142.7 C 237.132 105.427 215.539 73.207 184.189 57.849 C 189.074 56.989 194.102 56.54 199.238 56.54 C 219.055 56.54 237.299 63.225 251.854 74.465 C 272.265 90.229 285.399 114.93 285.399 142.7 Z" fill="rgb(255, 255, 255)" height="285.39957000000004px" id="SmICGtGkE" transform="translate(0 3.169)" width="285.399px"/><path d="M 237.132 142.7 C 237.132 112.259 222.723 85.181 200.371 67.919 C 184.419 55.599 164.409 48.268 142.699 48.268 C 131.832 48.268 121.385 50.105 111.658 53.489 C 74.759 66.328 48.267 101.415 48.267 142.7 C 48.267 179.971 69.857 212.191 101.205 227.55 C 96.32 228.411 91.292 228.861 86.16 228.861 C 38.576 228.86 0.001 190.286 0 142.701 L 0.011 140.857 C 0.999 62.896 64.505 0 142.7 0 C 221.51 0 285.399 63.89 285.399 142.701 C 285.399 221.511 221.51 285.4 142.7 285.4 C 140.459 285.4 138.231 285.347 136.016 285.244 C 194.897 264.652 237.132 208.609 237.132 142.7 Z" fill="rgb(255, 255, 255)" height="285.39957000000004px" id="ff8GMzlzN" transform="translate(56.539 3.169)" width="285.3991px"/></svg>)
Industries > Lenders
Credit Clarity at the Moment of Decision.
Spinwheel brings verified identities, real-time liabilities, and instant payments together so lenders can assess risk, match consumers, and act immediately — without friction in the flow.
Industries > Lenders
Credit Clarity at the Moment of Decision.
Spinwheel brings verified identities, real-time liabilities, and instant payments together so lenders can assess risk, match consumers, and act immediately — without friction in the flow.
Problem
A Financial Story Is Best Told in Real Time.
Static credit reports miss live liabilities — forcing lenders to choose between speed and accuracy when making decisions.
Problem
A Financial Story Is Best Told in Real Time.
Static credit reports miss live liabilities — forcing lenders to choose between speed and accuracy when making decisions.
Problem
A Financial Story Is Best Told in Real Time.
Static credit reports miss live liabilities — forcing lenders to choose between speed and accuracy when making decisions.
Solution
Replace Static Reports with Real-time
Liabilities Insight.
Replace Static Reports with Real-time
Liabilities Insight.
Get a current, verified view of a consumer’s financial picture — so decisions are faster, clearer, and more reliable.
Solution
Replace Static Reports with Real-time
Liabilities Insight.
Get a current, verified view of a consumer’s financial picture — so decisions are faster, clearer, and more reliable.
Make Lending Decisions Faster, Clearer, and More Reliable.
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 64 64" xmlns="http://www.w3.org/2000/svg"><path d="M 16 64 C 7.163 64 0 56.837 0 48 L 0 16 C 0 7.163 7.163 0 16 0 L 48 0 C 56.837 0 64 7.163 64 16 L 64 48 C 64 56.837 56.837 64 48 64 Z" fill="rgb(38, 42, 61)" height="64px" id="HtpyVqeUL" width="64px"/><path d="M 6.891 21.848 C 6.891 22.609 6.277 23.223 5.515 23.223 C 4.754 23.223 4.14 22.609 4.14 21.848 C 4.14 21.086 4.754 20.472 5.515 20.472 C 6.277 20.472 6.891 21.086 6.891 21.848 Z M 5.515 25.974 C 4.754 25.974 4.14 26.588 4.14 27.35 C 4.14 28.111 4.754 28.725 5.515 28.725 C 6.277 28.725 6.891 28.111 6.891 27.35 C 6.891 26.588 6.277 25.974 5.515 25.974 Z M 5.515 14.97 C 4.754 14.97 4.14 15.584 4.14 16.346 C 4.14 17.107 4.754 17.721 5.515 17.721 C 6.277 17.721 6.891 17.107 6.891 16.346 C 6.891 15.584 6.277 14.97 5.515 14.97 Z M 22.021 26.321 L 9.989 26.321 C 9.428 26.321 8.961 26.789 8.961 27.35 C 8.961 27.91 9.428 28.378 9.989 28.378 L 22.021 28.378 C 22.582 28.378 23.049 27.91 23.049 27.35 C 23.049 26.789 22.582 26.321 22.021 26.321 Z M 22.021 15.317 L 9.989 15.317 C 9.428 15.317 8.961 15.785 8.961 16.346 C 8.961 16.907 9.428 17.374 9.989 17.374 L 22.021 17.374 C 22.582 17.374 23.049 16.907 23.049 16.346 C 23.049 15.785 22.582 15.317 22.021 15.317 Z M 22.021 20.819 L 9.989 20.819 C 9.428 20.819 8.961 21.287 8.961 21.848 C 8.961 22.408 9.428 22.876 9.989 22.876 L 22.021 22.876 C 22.582 22.876 23.049 22.408 23.049 21.848 C 23.049 21.287 22.582 20.819 22.021 20.819 Z M 7.986 11.912 C 7.839 11.912 7.705 11.912 7.572 11.885 C 7.532 11.885 7.492 11.885 7.465 11.872 C 7.358 11.872 7.251 11.845 7.158 11.819 C 7.118 11.819 7.091 11.805 7.051 11.792 L 6.731 11.712 C 6.704 11.712 6.677 11.698 6.65 11.685 C 6.53 11.645 6.41 11.605 6.29 11.551 L 6.277 11.551 C 6.023 11.445 5.782 11.311 5.542 11.151 C 5.515 11.137 5.502 11.111 5.475 11.097 C 5.408 11.057 5.342 11.004 5.288 10.964 L 5.048 10.777 C 4.14 9.949 3.566 8.774 3.566 7.465 C 3.566 5.021 5.555 3.031 7.999 3.031 C 10.443 3.031 12.433 5.021 12.433 7.465 C 12.433 9.909 11.859 9.962 10.951 10.777 C 10.951 10.79 10.71 10.977 10.71 10.977 C 10.657 11.017 10.59 11.071 10.523 11.111 C 10.496 11.124 10.47 11.151 10.456 11.164 C 10.216 11.324 9.976 11.458 9.722 11.565 C 9.602 11.618 9.468 11.658 9.348 11.698 C 9.321 11.698 9.295 11.712 9.268 11.725 L 8.947 11.805 C 8.907 11.805 8.881 11.819 8.841 11.832 C 8.734 11.845 8.627 11.872 8.52 11.885 L 8.413 11.885 C 8.28 11.885 8.133 11.912 7.986 11.912 Z M 9.962 10.683 C 9.989 10.67 10.002 10.657 10.029 10.643 C 9.522 10.042 8.787 9.695 7.986 9.695 C 7.185 9.695 6.45 10.042 5.943 10.643 C 5.969 10.643 5.983 10.67 6.009 10.683 C 6.13 10.764 6.25 10.83 6.37 10.884 C 6.397 10.884 6.423 10.91 6.437 10.924 C 7.412 11.351 8.547 11.351 9.522 10.924 C 9.548 10.924 9.575 10.897 9.588 10.884 C 9.709 10.83 9.829 10.764 9.949 10.683 Z M 7.986 8.52 C 8.774 8.52 9.401 7.879 9.401 7.104 C 9.401 6.33 8.76 5.689 7.986 5.689 C 7.211 5.689 6.57 6.33 6.57 7.104 C 6.57 7.879 7.211 8.52 7.986 8.52 Z M 5.422 10.229 C 5.916 9.628 6.61 9.228 7.372 9.094 C 6.517 8.827 5.903 8.039 5.903 7.104 C 5.903 6.17 6.837 5.021 7.986 5.021 C 9.134 5.021 10.069 5.956 10.069 7.104 C 10.069 8.253 9.441 8.827 8.6 9.094 C 9.361 9.241 10.056 9.642 10.55 10.243 C 11.284 9.548 11.752 8.573 11.752 7.478 C 11.752 5.395 10.056 3.712 7.986 3.712 C 5.916 3.712 4.22 5.408 4.22 7.478 C 4.22 9.548 4.687 9.548 5.422 10.229 Z M 27.189 3.539 L 27.189 30.461 C 27.189 32.411 25.6 34 23.65 34 L 3.539 34 C 1.589 34 0 32.411 0 30.461 L 0 3.539 C 0 1.589 1.589 0 3.539 0 L 23.664 0 C 25.614 0 27.203 1.589 27.203 3.539 Z M 26.295 3.539 C 26.295 2.083 25.106 0.895 23.65 0.895 L 3.539 0.895 C 2.083 0.895 0.895 2.083 0.895 3.539 L 0.895 30.461 C 0.895 31.917 2.083 33.105 3.539 33.105 L 23.664 33.105 C 25.119 33.105 26.308 31.917 26.308 30.461 L 26.308 3.539 Z" fill="rgb(251, 130, 255)" height="34px" id="QkzZeJoxl" transform="translate(18 14.5)" width="27.202670856245277px"/></svg>)
Instant identity and account verifications — no passwords required
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 64 64" xmlns="http://www.w3.org/2000/svg"><path d="M 16 64 C 7.163 64 0 56.837 0 48 L 0 16 C 0 7.163 7.163 0 16 0 L 48 0 C 56.837 0 64 7.163 64 16 L 64 48 C 64 56.837 56.837 64 48 64 Z" fill="rgb(38, 42, 61)" height="64px" id="wSObPPKi6" width="64px"/><path d="M 28.996 2.742 L 20.065 11.673 L 20.065 9.997 L 27.967 2.095 C 28.314 2.299 28.661 2.514 28.996 2.742 Z M 25.68 1.03 L 20.053 6.656 L 20.053 8.333 L 26.853 1.532 C 26.47 1.353 26.075 1.185 25.68 1.03 Z M 23.07 0.287 L 20.065 3.292 L 20.065 4.968 L 24.423 0.611 C 23.98 0.479 23.525 0.371 23.07 0.287 Z M 22.531 15.923 L 32.48 5.974 C 32.229 5.663 31.977 5.363 31.702 5.076 L 20.855 15.923 Z M 29.954 3.46 L 20.053 13.361 L 20.053 15.037 L 30.852 4.238 C 30.565 3.975 30.253 3.711 29.954 3.46 Z M 20.053 0 L 20.053 1.616 L 21.598 0.072 C 21.095 0.024 20.58 0 20.053 0 Z M 35.976 15.923 C 35.976 15.372 35.952 14.833 35.892 14.295 L 34.264 15.923 Z M 29.236 15.923 L 34.923 10.236 C 34.767 9.841 34.599 9.446 34.42 9.063 L 27.56 15.923 Z M 32.588 15.923 L 35.677 12.834 C 35.581 12.379 35.473 11.924 35.354 11.481 L 30.924 15.911 L 32.6 15.911 Z M 25.884 15.923 L 33.845 7.961 C 33.642 7.614 33.426 7.267 33.199 6.932 L 24.208 15.923 Z M 17.874 18.078 L 34.623 18.126 L 34.623 18.641 C 34.623 28.23 26.853 36 17.312 36 C 7.77 36 0 28.23 0 18.688 C 0 9.147 7.758 1.377 17.312 1.377 L 17.838 1.377 L 17.886 1.904 L 17.886 18.09 Z M 16.833 19.119 L 16.833 2.418 C 8.057 2.694 1.042 9.877 1.042 18.676 C 1.042 27.476 8.345 34.946 17.312 34.946 C 26.279 34.946 33.318 27.907 33.57 19.155 L 16.833 19.107 Z" fill="rgb(251, 130, 255)" height="36px" id="MXpeGq8wf" transform="translate(14 13)" width="35.97605485094755px"/></svg>)
Embedded payoff flows that improve debt-to-income ratios instantly
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 64 64" xmlns="http://www.w3.org/2000/svg"><path d="M 16 64 C 7.163 64 0 56.837 0 48 L 0 16 C 0 7.163 7.163 0 16 0 L 48 0 C 56.837 0 64 7.163 64 16 L 64 48 C 64 56.837 56.837 64 48 64 Z" fill="rgb(38, 42, 61)" height="64px" id="xhlhYWQA7" width="64px"/><path d="M 12.422 11.847 C 12.444 11.825 12.455 11.791 12.477 11.769 L 12.499 11.747 C 12.554 11.669 12.62 11.603 12.697 11.548 L 16.812 7.414 L 14.71 12.866 C 14.688 12.955 14.655 13.044 14.611 13.121 L 14.611 13.154 L 14.6 13.154 C 14.589 13.177 14.567 13.21 14.556 13.232 C 14.171 13.819 13.39 13.986 12.807 13.598 C 12.224 13.21 12.059 12.423 12.444 11.836 Z M 13.5 3.502 C 8.34 3.502 4.115 7.724 4.082 12.922 C 4.082 13.143 4.258 13.332 4.478 13.332 C 4.698 13.332 4.874 13.154 4.885 12.933 C 4.896 10.971 5.578 9.154 6.689 7.702 L 8.219 9.387 C 8.296 9.475 8.406 9.52 8.516 9.52 C 8.626 9.52 8.714 9.486 8.791 9.409 C 8.956 9.254 8.967 8.999 8.813 8.832 L 7.218 7.07 C 8.703 5.463 10.782 4.433 13.104 4.322 L 13.104 6.561 C 13.104 6.782 13.28 6.971 13.511 6.971 C 13.742 6.971 13.918 6.793 13.918 6.561 L 13.918 4.322 C 16.229 4.433 18.297 5.452 19.782 7.048 L 18.165 8.821 C 18.011 8.988 18.022 9.243 18.187 9.398 C 18.264 9.464 18.363 9.508 18.462 9.508 C 18.561 9.508 18.682 9.464 18.759 9.375 L 20.311 7.669 C 21.433 9.121 22.115 10.949 22.137 12.922 C 22.137 13.143 22.313 13.321 22.544 13.321 C 22.764 13.321 22.94 13.132 22.94 12.911 C 22.907 7.713 18.682 3.491 13.522 3.491 Z M 21.862 22.63 L 9.913 22.63 C 9.352 22.63 8.89 23.095 8.89 23.66 C 8.89 24.226 9.352 24.691 9.913 24.691 L 21.862 24.691 C 22.423 24.691 22.885 24.226 22.885 23.66 C 22.885 23.095 22.423 22.63 21.862 22.63 Z M 5.479 22.286 C 4.72 22.286 4.115 22.907 4.115 23.66 C 4.115 24.414 4.731 25.035 5.479 25.035 C 6.227 25.035 6.844 24.414 6.844 23.66 C 6.844 22.907 6.227 22.286 5.479 22.286 Z M 21.862 17.632 L 9.913 17.632 C 9.352 17.632 8.89 18.097 8.89 18.662 C 8.89 19.228 9.352 19.693 9.913 19.693 L 21.862 19.693 C 22.423 19.693 22.885 19.228 22.885 18.662 C 22.885 18.097 22.423 17.632 21.862 17.632 Z M 5.479 17.288 C 4.72 17.288 4.115 17.909 4.115 18.662 C 4.115 19.416 4.731 20.037 5.479 20.037 C 6.227 20.037 6.844 19.416 6.844 18.662 C 6.844 17.909 6.227 17.288 5.479 17.288 Z M 21.862 27.628 L 9.913 27.628 C 9.352 27.628 8.89 28.093 8.89 28.658 C 8.89 29.224 9.352 29.689 9.913 29.689 L 21.862 29.689 C 22.423 29.689 22.885 29.224 22.885 28.658 C 22.885 28.093 22.423 27.628 21.862 27.628 Z M 5.479 27.284 C 4.72 27.284 4.115 27.905 4.115 28.658 C 4.115 29.412 4.731 30.033 5.479 30.033 C 6.227 30.033 6.844 29.412 6.844 28.658 C 6.844 27.905 6.227 27.284 5.479 27.284 Z M 27 3.535 L 27 30.465 C 27 32.415 25.427 34 23.49 34 L 3.51 34 C 1.573 34 0 32.415 0 30.465 L 0 3.535 C 0 1.585 1.573 0 3.51 0 L 23.49 0 C 25.427 0 27 1.585 27 3.535 Z M 26.12 3.535 C 26.12 2.072 24.943 0.887 23.49 0.887 L 3.51 0.887 C 2.057 0.887 0.88 2.072 0.88 3.535 L 0.88 30.465 C 0.88 31.928 2.057 33.113 3.51 33.113 L 23.49 33.113 C 24.943 33.113 26.12 31.928 26.12 30.465 Z" fill="rgb(251, 130, 255)" height="34px" id="HGZbKMnHs" transform="translate(18 15)" width="27px"/></svg>)
Real-time liability and debt profiles for underwriting
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 64 64" xmlns="http://www.w3.org/2000/svg"><g d="M 16 64 C 7.163 64 0 56.837 0 48 L 0 16 C 0 7.163 7.163 0 16 0 L 48 0 C 56.837 0 64 7.163 64 16 L 64 48 C 64 56.837 56.837 64 48 64 Z M 17 49.5 L 17 14.5 L 47 14.5 L 47 49.5 Z M 47 20.286 L 47 23.357 C 46.967 27.368 46.702 33.182 44.81 37.322 C 43.266 40.693 39.581 46.746 32.19 49.439 L 32.003 49.506 L 31.815 49.439 C 24.43 46.74 20.739 40.687 19.195 37.322 C 16.945 32.398 16.989 25.059 17.011 21.121 L 17.011 20.28 L 32.003 14.5 Z M 45.897 21.043 L 32.003 15.691 L 18.108 21.048 L 18.108 21.126 C 18.086 24.982 18.048 32.153 20.193 36.849 C 21.65 40.031 25.113 45.722 32.003 48.315 C 38.892 45.722 42.35 40.031 43.806 36.849 C 45.819 32.448 45.88 25.599 45.897 23.346 Z M 29.973 32.91 C 29.814 32.709 29.631 32.526 29.46 32.331 C 28.65 31.43 27.789 30.584 26.912 29.755 C 26.818 29.666 26.708 29.605 26.614 29.532 C 26.46 29.532 26.41 29.655 26.35 29.744 C 25.875 30.417 25.379 31.074 24.838 31.697 C 24.502 32.081 24.496 32.086 24.888 32.398 C 26.78 33.933 28.468 35.675 30.034 37.538 C 30.387 37.956 30.387 37.961 30.679 37.516 C 32.196 35.213 33.851 33.01 35.666 30.94 C 36.879 29.555 38.186 28.264 39.654 27.151 C 39.825 27.018 39.94 26.918 39.775 26.689 C 39.201 25.911 38.688 25.093 38.275 24.219 C 38.153 23.969 38.026 24.014 37.866 24.158 C 37.535 24.459 37.194 24.753 36.868 25.07 C 34.436 27.463 32.036 29.877 30.31 32.876 C 30.205 33.06 30.122 33.099 29.973 32.921 Z" fill="transparent" height="64px" id="cg5cCqCbI" width="64px"><path d="M 16 64 C 7.163 64 0 56.837 0 48 L 0 16 C 0 7.163 7.163 0 16 0 L 48 0 C 56.837 0 64 7.163 64 16 L 64 48 C 64 56.837 56.837 64 48 64 Z" fill="rgb(38, 42, 61)" height="64px" id="SieiRT3sM" width="64px"/><g d="M 0 35 L 0 0 L 30 0 L 30 35 Z M 30 5.786 L 30 8.857 C 29.967 12.868 29.702 18.682 27.81 22.822 C 26.266 26.193 22.581 32.246 15.19 34.939 L 15.003 35.006 L 14.815 34.939 C 7.43 32.24 3.739 26.187 2.195 22.822 C -0.055 17.898 -0.011 10.559 0.011 6.621 L 0.011 5.78 L 15.003 0 Z M 28.897 6.543 L 15.003 1.191 L 1.108 6.548 L 1.108 6.626 C 1.086 10.482 1.048 17.653 3.193 22.349 C 4.65 25.531 8.113 31.222 15.003 33.815 C 21.892 31.222 25.35 25.531 26.806 22.349 C 28.819 17.948 28.88 11.099 28.897 8.846 Z M 12.973 18.41 C 12.814 18.209 12.631 18.026 12.46 17.831 C 11.65 16.93 10.789 16.084 9.912 15.255 C 9.818 15.166 9.708 15.105 9.614 15.032 C 9.46 15.032 9.41 15.155 9.35 15.244 C 8.875 15.917 8.379 16.574 7.838 17.197 C 7.502 17.581 7.496 17.586 7.888 17.898 C 9.78 19.433 11.468 21.175 13.034 23.038 C 13.387 23.456 13.387 23.461 13.679 23.016 C 15.196 20.713 16.851 18.51 18.666 16.44 C 19.879 15.055 21.186 13.764 22.654 12.651 C 22.825 12.518 22.94 12.418 22.775 12.189 C 22.201 11.411 21.688 10.593 21.275 9.719 C 21.153 9.469 21.026 9.513 20.866 9.658 C 20.535 9.959 20.194 10.253 19.868 10.57 C 17.436 12.963 15.036 15.377 13.31 18.376 C 13.205 18.56 13.122 18.599 12.973 18.421 Z" fill="transparent" height="35.0056px" id="uJM6HHc2Z" transform="translate(17 14.5)" width="30px"><path d="M 0 35 L 0 0 L 30 0 L 30 35 Z" fill="transparent" height="35px" id="GQCHsBunT" width="30px"/><path d="M 29.994 5.786 L 29.994 8.857 C 29.961 12.868 29.696 18.682 27.804 22.822 C 26.26 26.193 22.575 32.246 15.184 34.939 L 14.997 35.006 L 14.809 34.939 C 7.424 32.24 3.734 26.187 2.189 22.822 C -0.061 17.898 -0.017 10.559 0.005 6.621 L 0.005 5.78 L 14.997 0 Z M 28.891 6.543 L 14.997 1.191 L 1.103 6.548 L 1.103 6.626 C 1.081 10.482 1.042 17.653 3.188 22.349 C 4.644 25.531 8.108 31.222 14.997 33.815 C 21.886 31.222 25.344 25.531 26.8 22.349 C 28.814 17.948 28.874 11.099 28.891 8.846 Z" fill="rgb(251, 130, 255)" height="35.0056px" id="U2wJhstN1" transform="translate(0.006 0)" width="29.99391219365571px"/><path d="M 5.384 8.869 C 5.224 8.669 5.042 8.485 4.871 8.29 C 4.06 7.389 3.199 6.543 2.322 5.714 C 2.229 5.625 2.118 5.564 2.025 5.492 C 1.87 5.492 1.82 5.614 1.76 5.703 C 1.285 6.377 0.789 7.033 0.248 7.656 C -0.088 8.04 -0.094 8.046 0.298 8.357 C 2.19 9.893 3.878 11.634 5.444 13.498 C 5.797 13.915 5.797 13.921 6.09 13.476 C 7.606 11.172 9.261 8.969 11.076 6.899 C 12.289 5.514 13.596 4.223 15.064 3.111 C 15.235 2.977 15.35 2.877 15.185 2.649 C 14.611 1.87 14.098 1.052 13.685 0.179 C 13.563 -0.072 13.437 -0.027 13.277 0.118 C 12.946 0.418 12.604 0.713 12.278 1.03 C 9.846 3.422 7.446 5.837 5.72 8.836 C 5.615 9.019 5.533 9.058 5.384 8.88 Z" fill="rgb(251, 130, 255)" height="13.810083900898311px" id="KB7WV5BHh" transform="translate(7.59 9.541)" width="15.26515903915879px"/></g></g></svg>)
Secure, compliant APIs built for scale
Make Lending Decisions Faster, Clearer, and More Reliable.
Instant identity and account verifications — no passwords required
Embedded payoff flows that improve debt-to-income ratios instantly
Real-time liability and debt profiles for underwriting
Secure, compliant APIs built for scale
Make Lending Decisions Faster, Clearer, and More Reliable.
Instant identity and account verifications — no passwords required
Real-time liability and debt profiles for underwriting
Embedded payoff flows that improve debt-to-income ratios instantly
Secure, compliant APIs built for scale
Improve Trajectory with Spinwheel.
✔️
Cut onboarding friction by 50% with faster approvals and higher conversion
✔️
Reduced loan payoff time from 5 to 7 days to just 1 day
✔️
Drove 95% reduction in lost creditor checks
Use Cases
Better Decisioning. Higher Conversions. Better Outcomes.
Pre-qualify borrowers with minimal upfront data
Pre-qualify borrowers with minimal upfront data
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 32 40" xmlns="http://www.w3.org/2000/svg"><path d="M 0 16 C 0 7.163 7.163 0 16 0 C 24.837 0 32 7.163 32 16 C 32 24.837 24.837 32 16 32 C 7.163 32 0 24.837 0 16 Z" fill="rgb(247, 245, 242)" height="32px" id="Iot0ZiEtW" transform="translate(0 4)" width="32px"/><path d="M 8.058 0 L 14.194 6.135 M 14.194 6.135 L 8.058 12.272 M 14.194 6.136 L 0 6.136" fill="transparent" height="12.272px" id="ZRFhiyajK" stroke-dasharray="" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.1" stroke="rgb(0, 4, 26)" transform="translate(9.379 13.931)" width="14.19420689655171px"/></svg>)
Higher conversion rates with reduced friction in the loan process
Higher conversion rates with reduced friction in the loan process
Match consumers to the right loan products based on real liability data
Match consumers to the right loan products based on real liability data
Decreased credit and operational risk
Decreased credit and operational risk
Improve debt-to-income ratios at origination through instant payoff
Improve debt-to-income ratios at origination through instant payoff
Faster funding and payoff without delays
Faster funding and payoff without delays
Increase funded loans without increasing risk
Increase funded loans without increasing risk
Higher approval rates and more loans that perform over time
Higher approval rates and more loans that perform over time
Results that Show Up Where It Counts.
See how Spinwheel enables a complete path from verification to resolution to power live pre-qualification data and instant loan action, directly inside your application flow.
Results that Show Up Where It Counts.
See how Spinwheel enables a complete path from verification to resolution to power live pre-qualification data and instant loan action, directly inside your application flow.
Results that Show Up Where It Counts.
See how Spinwheel enables a complete path from verification to resolution to power live pre-qualification data and instant loan action, directly inside your application flow.
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 342 286" xmlns="http://www.w3.org/2000/svg"><path d="M 285.399 142.7 C 285.399 221.51 221.51 285.4 142.7 285.4 C 63.889 285.4 0 221.511 0 142.701 C 0 63.89 63.889 0 142.7 0 C 144.941 0 147.17 0.053 149.386 0.155 C 90.503 20.747 48.267 76.791 48.267 142.7 L 48.274 143.921 C 48.928 195.511 90.953 237.132 142.699 237.132 C 194.853 237.132 237.132 194.853 237.132 142.7 C 237.132 105.427 215.539 73.207 184.189 57.849 C 189.074 56.989 194.102 56.54 199.238 56.54 C 219.055 56.54 237.299 63.225 251.854 74.465 C 272.265 90.229 285.399 114.93 285.399 142.7 Z" fill="rgb(255, 255, 255)" height="285.4px" id="FB5FZh4G0" width="285.399px"/><path d="M 237.132 142.7 C 237.132 112.259 222.723 85.181 200.371 67.919 C 184.419 55.599 164.409 48.268 142.699 48.268 C 131.832 48.268 121.385 50.105 111.658 53.489 C 74.759 66.328 48.267 101.415 48.267 142.7 C 48.267 179.971 69.857 212.191 101.205 227.55 C 96.32 228.41 91.292 228.86 86.16 228.86 C 38.576 228.86 0.001 190.285 0 142.701 L 0.011 140.857 C 0.999 62.896 64.505 0 142.7 0 C 221.51 0 285.399 63.89 285.399 142.701 C 285.399 221.511 221.51 285.4 142.7 285.4 C 140.459 285.4 138.231 285.346 136.016 285.244 C 194.897 264.652 237.132 208.608 237.132 142.7 Z" fill="rgb(255, 255, 255)" height="285.4px" id="wgIvl3gQP" transform="translate(56.539 0)" width="285.3991px"/></svg>)
